4478 River St, Willoughby, OH 44094 Property Records

Lake County property record for 4478 River St, Willoughby, OH 44094

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,279 sqft · built 1930
Lot Size	0.227 acres (9,901 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Nov 2020)
Tax Bill	$5,969 (2023)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-A-026-A-00-037-0`

Property Details

APN / Parcel Number

Primary APN	`27-A-026-A-00-037-0`
Alternative APN	`D 41`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,279 sqft Living Area
Gross Area	2,999 sqft
1st Floor Area	736 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1984
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	9,901 sqft (0.227 acres)
Lot Dimensions	165 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	400 sqft
Carport	Carport
Carport Area	364 sqft
Parking Spaces	3 Parking Spaces
Patio Area	160 sqft
Balcony	Balcony
Balcony Area	27 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	D 41
Street Address	4478 RIVER ST
City	WILLOUGHBY
State	OH
Zip	44094-7838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-60
Legal Description	LOT 2 TRACT 13
Legal Subdivision	SORTER SURVEY
Legal Tract	13
Legal Lot Number	31
Jurisdiction	LAKE OH
Township / Civil Division	WILLOUGHBY
Census Block Group	2
Census Block	2006
Census Tract	201400

Owner

Source: Lake County records, as of April 25, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4478 RIVER ST, WILLOUGHBY, OH 44094-7838
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2020 · Amount on Record
Deed Sale	Nov 24, 2020 · Amount on Record
Prior Sale	Jun 8, 2012 · Amount on Record
Deed Document Number	458046
Record Updated	Jun 7, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE OH
Recording Date	Nov 24, 2020
Property Address	4478 RIVER ST, WILLOUGHBY, OH 44094-7838
Document Number	0000035079
Map Reference	VOL A PG 49
Instrument Date	Nov 19, 2020
Instrument	2020R035079
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	INFINITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4478 RIVER ST, WILLOUGHBY, OH 44094-7838

Mortgage

Document Number	0000035080
Date	Nov 24, 2020
Instrument	2020R035080

Lender

Name	RAPID MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: Lake County assessment roll, as of August 1, 2023

Property Jurisdictions

Type	Name
State	Ohio
County	Lake County
Municipality	Willoughby City
Unified School District	Willoughby-Eastlake City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$5,969.00 (+54%) Homeowner's exemption	$63,050 (-) Land $14,720 Building $48,330
2022	$3,876.00 Homeowner's exemption	$63,050 Land $14,720 Building $48,330
2021			$180,160 Land $42,070 Building $138,090

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1978–2017)
Most Recent Claim	May 2017 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE COUNTY WEST WATER SUBDISTRICT serves 78,379 people · EPA ID OH4302411
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20